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Bill

HB 4569

Relating to an appraisal procedure for disputed losses under personal automobile insurance policies.

89th Legislature (2025) Introduced by Jay Dean and 1 co-sponsor

HB 4569 creates a formal appraisal process for resolving disputes between auto insurers and policyholders over vehicle loss valuations, offering faster resolution than litigation.

Referred to Insurance
#insurance--motorvehicles(i0435) #insurance--property&casualty(i0442)
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Bill Summary · HB 4569

Legislative bill overview

HB 4569 establishes procedures for resolving disputes between insurers and policyholders regarding the value of losses under personal automobile insurance policies through an appraisal process. The bill creates a mechanism for independent evaluation when the insurer and insured disagree on damage assessment or repair costs, aiming to provide an alternative to litigation.

Why is this important

Automobile damage disputes are common and can leave policyholders without timely repairs or compensation while disagreements are resolved. By formalizing an appraisal procedure, the bill could reduce litigation costs, speed up claims resolution, and provide clarity on how disputes will be handled—benefiting both insurers (through predictability) and consumers (through faster resolution).

Potential points of contention

  • Cost allocation: Disputes may arise over who pays for the independent appraisal, potentially discouraging lower-value claims from proceeding to appraisal
  • Appraisal standards: Disagreement over whether appraisals follow fair market repair costs versus OEM (original manufacturer) standards, which can significantly affect outcomes
  • Binding nature: Questions about whether appraisal results are binding on both parties or merely advisory, affecting the incentive structure for participation
  • Appraiser qualifications: Concerns about appraiser certification, licensing, and potential conflicts of interest in selecting neutral evaluators

Compiled from official sources — confirm details with the bill’s official record.

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